Cornerstone Capital Bank, Ssb
Cornerstone Capital Bank, Ssb completed a merger involving an acquired institution in March 2026. Capital moved notably last quarter — CET1 ratio of 14.60% was down 465bps from the prior quarter. Cornerstone Capital Bank, Ssb is the primary bank subsidiary of its parent holding company, headquartered in Houston, TX. Total assets stand at $3.8B. Earnings turned negative this period, with ROA at -0.35%. Regulatory capital is solid — 14.60% CET1 and 16.77% total risk-based capital ratio. Credit metrics are in line with industry norms — 1.11% NPL ratio. Cornerstone Capital Bank, Ssb operates a 19-branch network.
Headquarters Profile
- Address
- 1177 West Loop S, HOUSTON, TX 77027
- County
- Harris
- Metro Area
- SWEETWATER, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- December 6, 1906
- Branches
- 19 domestic
- Employees (FTE)
- 1569
- FDIC Cert
- 1213
- Fed RSSD
- 2891622
- Website
- www.cornerstonecapital.com →
- Parent Holding Company
- CORNERSTONE CAPITAL BANCORP, INC. (RSSD 6013468)
Capital & Liquidity
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Cornerstone Capital Bank, Ssb rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- FailureFailure / assisted resolutionFDIC FAILURES
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
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Frequently asked about Cornerstone Capital Bank, Ssb
What are Cornerstone Capital Bank, Ssb's total assets?
As of the Q1 2026 filing, Cornerstone Capital Bank, Ssb reported total assets of $3.80 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cornerstone Capital Bank, Ssb headquartered?
Cornerstone Capital Bank, Ssb is headquartered in HOUSTON, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Cornerstone Capital Bank, Ssb founded?
Cornerstone Capital Bank, Ssb was established in 1906, per the FDIC institution directory.
Is Cornerstone Capital Bank, Ssb FDIC-insured?
Yes. Cornerstone Capital Bank, Ssb is an FDIC-insured commercial bank (FDIC Certificate #1213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone Capital Bank, Ssb?
Cornerstone Capital Bank, Ssb's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cornerstone Capital Bank, Ssb's CET1 capital ratio?
Cornerstone Capital Bank, Ssb reported a Common Equity Tier 1 (CET1) capital ratio of 14.60% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Cornerstone Capital Bank, Ssb operate?
Cornerstone Capital Bank, Ssb operates 19 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Cornerstone Capital Bank, Ssb's Texas Ratio?
Cornerstone Capital Bank, Ssb's Texas Ratio is 26.66% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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